UnitedHealthcare Dental®
Consumer MaxMultiplier - Voluntary Options PPO/covered dental services
NON-ORTHODONTICS
NETWORK
NON-NETWORK
dental plan
P3314
ORTHODONTICS
NETWORK
NON-NETWORK
Individual Annual Deductible
$50
$50
None
None
Family Annual Deductible
$150
$150
None
None
Annual Maximum Benefit* (The total benefit payable by the plan will not exceed
$1000 per person
per calendar year
$1000 per person
per calendar year
$1000 per person
per lifetime
$1000 per person
per lifetime
the highest listed maximum amount for either Network or Non-Network services)
Annual deductible applies to preventive and diagnostic services
No
Annual deductible applies to orthodontic services
No
Waiting Period
No waiting period
Orthodontic eligibility requirement
Children under age 19
COVERED SERVICES**
NETWORK NON-NETWORK BENEFIT GUIDELINES
PLAN PAYS*** PLAN PAYS****
PREVENTIVE AND DIAGNOSTIC DENTAL SERVICES
Periodic Oral Examinations
Bite-Wing X-rays
Complete Series or Panorex X-rays
Dental Prophylaxis (Cleanings)
100%
100%
100%
100%
100%
100%
100%
100%
Limited to 2 times per consecutive 12 months.
One series of films per calendar year.
Limited to one time per consecutive 36 months.
Limited to 2 times per consecutive 12 months.
Limited to covered persons under the age of 16 years, and limited to 2 times per
consecutive 12 months.
Limited to covered persons under the age of 16 years, and once per first or second
permanent molar every consecutive 36 months.
Fluoride Treatments
100%
100%
Sealants
100%
100%
Space Maintainers
80%
80%
Palliative Treatment (Relief of Pain)
80%
80%
General Anesthesia
Amalgam Restorations (Fillings)
Composite Restorations (Fillings)
Simple Extraction
80%
80%
80%
80%
80%
80%
80%
80%
Surgical Extraction including Impacted Wisdom Teeth
Root Canal Treatment
Scaling and Root Planing
Periodontal Surgery
50%
50%
50%
50%
50%
50%
50%
50%
Periodontal Maintenance
50%
50%
Crowns, Inlays, and Onlays
50%
50%
Fixed Bridges
50%
50%
Limited to one time per quadrant per consecutive 24 months.
Limited to once every consecutive 36 months per surgical area.
Limited to 2 times per consecutive 12 months following active and adjunctive
periodontal therapy within the prior 24 months, exclusive of gross debridement.
Limited to one time per tooth per consecutive 60 months.
Once per tooth per consecutive 60 months. Alternate benefits for a partial denture
may be applied.
Full Dentures
50%
50%
Once per consecutive 60 months. No allowance for overdentures or customized dentures.
Partial Dentures
50%
50%
Once per consecutive 60 months. No allowance for precision or semi-precision attachments.
Recement Bridges, Crowns, Inlays
50%
50%
Relining and Rebasing Dentures
50%
50%
Limited to one time every consecutive 12 months, and limited to relining done more
than 6 months after the initial insertions.
Repairs to Full Dentures, Partial Dentures, Bridges
50%
50%
Limited to repairs or adjustments performed more than 12 months after the initial insertion.
50%
50%
Course of treatment is typically 24 months, with initial payment at banding of 20%
and remaining payment spread equally over the course of treatment.
BASIC DENTAL SERVICES
For covered persons under the age of 16 years, once per lifetime.
Covered as a separate benefit only if no other service, other than X-rays and exam,
were performed on the same tooth during the visit.
When medically necessary.
Multiple restorations on one surface will be treated as a single filling.
Multiple restorations on one surface will be treated as a single filling. For anterior teeth only.
MAJOR DENTAL SERVICES
ORTHODONTIC SERVICES
Diagnose or correct misalignment of the teeth or
bite
* This plan includes a maximum benefit award program. Some of the unused portion of your annual maximum benefit may be available in future benefit periods.
** Your dental plan provides that where two or more professionally acceptable dental treatments for a dental condition exist, your plan bases reimbursement on the least costly
treatment alternative. If you and your dentist have agreed on a treatment which is more costly than the treatment on which the plan benefit is based, you will be responsible for the
difference between the fee for service rendered and the fee covered by the plan. In addition, a pre-treatment estimate is recommended for any service estimated to cost over $200;
please consult your dentist.
*** The network percentage of benefits is based on the discounted fee negotiated with the provider.
**** The non-network percentage of benefits is based on the schedule of reasonable and customary charges in the geographic area in which the expenses are incurred.
The material contained in the above table is for informational purposes only and is not an offer of coverage. Please note that the above table provides only a brief, general description of coverage and does not
constitute a contract. For a complete listing of your coverage, including exclusions and limitations relating to your coverage, please refer to your Certificate of Coverage or contact your benefits administrator.
If differences exist between this Summary of Benefits and your Certificate of Coverage/benefits administrator, the Certificate/benefits administrator will govern. All terms and conditions of coverage are subject
to applicable state and federal laws. State mandates regarding benefit levels and age limitations may supersede plan design features.
UnitedHealthcare Dental® Voluntary Options PPO Plan is either underwritten or provided by: United HealthCare Insurance Company, Hartford, Connecticut; United HealthCare Insurance Company of New York,
Hauppauge, New York; or United HealthCare Services, Inc.
100-8006 4/07 ©2007 United HealthCare Services, Inc.
UnitedHealthcare/dental exclusions and limitations
GENERAL LIMITATIONS
GENERAL EXCLUSIONS
ORAL EXAMINATIONS Covered as a separate benefit only if no other service
The following are not covered:
was performed during the visit other than prophylaxis and X-rays.
Limited to 2 times per consecutive 12 months.
COMPLETE SERIES OR PANOREX RADIOGRAPHS Limited to one time per
consecutive 36 months. Exception to this limit will be made for Panorex
Radiographs if taken for diagnosis of third molars, cysts, or neoplasms.
BITEWING RADIOGRAPHS Limited to 1 series of films per calendar year.
EXTRAORAL RADIOGRAPHS Limited to 2 films per calendar year.
DENTAL PROPHYLAXIS Limited to 2 times per consecutive 12 months.
DIAGNOSTIC CASTS Limited to one time per consecutive 24 months.
FLUORIDE TREATMENTS Limited to covered persons under the age of 16
years, and limited to 2 times per consecutive 12 months. Treatment
should be done in conjunction with dental prophylaxis.
1. Dental Services that are not necessary.
2. Hospitalization or other facility charges.
3. Any dental procedure performed solely
for cosmetic/aesthetic reasons. (Cosmetic
procedures are those procedures that
improve physical appearance.)
4. Reconstructive Surgery regardless of
whether or not the surgery which is
incidental to a dental disease, injury, or
Congenital Anomaly when the primary
purpose is to improve physiological
functioning of the involved part of the
body.
SEALANTS Limited to covered persons under the age of 16 years, and once
5. Any dental procedure not directly
associated with dental disease.
SPACE MAINTAINERS Limited to covered persons under the age of 16 years,
6. Any procedure not performed in a dental
setting.
per first or second permanent molar every consecutive 36 months.
once per lifetime. Benefit includes all adjustment within 6 months of
installation.
RESTORATIONS Multiple restorations on one surface will be treated as a
single filling. Composite restorations limited to anterior teeth only.
PIN RETENTION Limited to 2 pins per tooth; not covered in addition to Cast
Restoration.
INLAYS AND ONLAYS Limited to one time per tooth per consecutive 60
months. Covered only when a filling cannot restore the tooth.
CROWNS Limited to one time per tooth per consecutive 60 months.
Covered only when a filling cannot restore the tooth.
POST AND CORES Covered only for teeth that have had root canal therapy.
SEDATIVE FILLINGS Covered as a separate benefit only if no other service,
other than X-rays and exam, were performed on the same tooth during
the visit.
SCALING AND ROOT PLANING Limited to 1 time per quadrant per consecutive
24 months.
PERIODONTAL MAINTENANCE Limited to 2 times per consecutive 12 months
following active and adjunctive periodontal therapy within the prior 24
months, exclusive of gross debridement.
FULL DENTURES Limited to once every consecutive 60 months. No
additional allowances for overdentures or customized dentures.
PARTIAL DENTURES Limited to once every consecutive 60 months. No
additional allowances for precision or semi-precision attachments.
RELINING AND REBASING DENTURES Limited to relining or rebasing performed
more than 6 months after the initial insertions. Limited to 1 time per
consecutive 12 months.
REPAIRS TO FULL DENTURES, PARTIAL DENTURES, BRIDGES Limited to repairs or
adjustments performed more than 12 months after the initial insertion.
PALLIATIVE TREATMENT Covered as a separate benefit only if no other
service, other than X-rays and exam, were performed on the same tooth
during the visit.
OCCLUSAL GUARDS Covered only if prescribed to control habitual grinding,
and limited to one guard every consecutive 36 months.
FULL MOUTH DEBRIDEMENT Limited to once every consecutive 36 months.
GENERAL ANESTHESIA Covered only where medically necessary.
OSSEOUS GRAFTS With or without resorbable GTR membrane replacement,
are limited to once every consecutive 36 months per quadrant or surgical
site.
PERIODONTAL SURGERY Hard tissue and soft tissue periodontal surgery are
limited to once every consecutive 36 months, per surgical area. This
includes gingivectomy, gingivoplasty, gingival flap procedure, osseous
surgery, pedicle grafts, and free soft tissue grafts.
REPLACEMENT OF FULL DENTURES, PARTIAL DENTURES, BRIDGES, OR CROWNS
Replacement of complete or partial dentures, both fixed and removable,
or crowns, previously submitted for payment under this Plan is limited to
once every consecutive 60 months from initial or supplemental
placement. This includes retainers, habit appliances, and any fixed or
removable interceptive orthodontic appliances.
7. Procedures that are considered to be
Experimental, Investigational or
Unproven. This includes
pharmacological regimens not accepted
by the American Dental Association
(ADA) Council on Dental Therapeutics.
The fact that an Experimental,
Investigational or Unproven Service,
treatment, device or pharmacological
regimen is the only available treatment
for a particular condition will not result
in Coverage if the procedure is
considered to be Experimental,
Investigational or Unproven in the
treatment of that particular condition.
8. Services for injuries or conditions
covered by Worker’s Compensation or
employer liability laws, and services that
are provided without cost to the Covered
Person by any municipality, county, or
other political subdivision. This
exclusion does not apply to any services
covered by Medicaid or Medicare.
9. Expenses for dental procedures begun
prior to the Covered Person’s eligibility
with the Plan.
10. Dental Services otherwise Covered under
the Policy, but rendered after the date
individual Coverage under the Policy
terminates, including Dental Services for
dental conditions arising prior to the date
individual Coverage under the Policy
terminates.
11. Services rendered by a provider with the
same legal residence as a Covered Person
or who is a member of a Covered
Person’s family, including spouse, brother,
sister, parent or child.
12. Dental Services provided in a foreign
country, unless required as an
Emergency.
13. Replacement of crowns, bridges, and
fixed or removable prosthetic appliances
inserted prior to plan coverage unless the
patient has been eligible under the plan
for 12 continuous months. If loss of a
tooth requires the addition of a clasp,
pontic, and/or abutment(s) within this 12
month period, the plan is responsible
only for the procedures associated with
the addition.
14. Replacement of missing natural teeth lost
prior to the onset of plan coverage until
the patient has been eligible for 12
continuous months.
15. Replacement of complete or partial
dentures, crowns, or fixed bridgework if
damage or breakage was directly related
to provider error. This type of
replacement is the responsibility of the
Dentist. If replacement is necessary
because of patient non-compliance, the
patient is liable for the cost of
replacement.
16. Fixed or removable prosthodontic
restoration procedures for complete oral
rehabilitation or reconstruction.
17. Attachments to conventional removable
prostheses or fixed bridgework. This
includes semi-precision or precision
attachments associated with partial
dentures, crown or bridge abutments, full
or partial overdentures, any internal
attachment associated with an implant
prosthesis, and any elective endodontic
procedure related to a tooth or root
involved in the construction of a
prosthesis of this nature.
18. Procedures related to the reconstruction
of a patient’s correct vertical dimension
of occlusion (VDO).
19. Placement of dental implants, implantsupported abutments and prostheses.
This includes pharmacological regimens
and restorative materials not accepted by
the American Dental Association (ADA)
Council on Dental Therapeutics.
20. Placement of fixed bridgework solely for
the purpose of achieving periodontal
stability.
21. Billing for incision and drainage if the
involved abscessed tooth is removed on
the same date of service.
22. Treatment of malignant or benign
neoplasms, cysts, or other pathology,
except excisional removal. Treatment of
congenital malformations of hard or soft
tissue, including excision.
23. Setting of facial bony fractures and any
treatment associated with the dislocation
of facial skeletal hard tissue.
24. Services related to the
temporomandibular joint (TMJ), either
bilateral or unilateral. Upper and lower
jaw bone surgery (including that related
to the temporomandibular joint). No
Coverage is provided for orthognathic
surgery, jaw alignment, or treatment for
the temporomandibular joint.
25. Acupuncture; acupressure and other
forms of alternative treatment.
26. Drugs/medications, obtainable with or
without a prescription, unless they are
dispensed and utilized in the dental office
during the patient visit.
27. Charges for failure to keep a scheduled
appointment without giving the dental
office 24 hours notice.